BlastPoint's Banking Scorecard

Rollstone Bank & Trust

$100M-$1B Specialty: Commercial MA FDIC cert 17797

Fitchburg, MA

8 branches across MA

2664 banks in the $100M-$1B peer group nationally 39 in MA

Rollstone Bank & Trust has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 9.0% in tier

Key Concerns

Areas that may need attention

- Capital Constraint: Bottom 7.4% in tier
- Deposit Outflow: Bottom 16.8% in tier
- Return on Assets 1.20% below tier average
- Net Interest Margin 1.94% below tier average
- Efficiency Ratio 34.59% above tier average

Get updates when Rollstone Bank & Trust releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$836.0M -10.1% YoY -1.4% QoQ	+$449.9M	$386.1M +0.5% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	Top 6.6% in tier
Total Loans ?	$584.7M -11.0% YoY -2.0% QoQ	+$328.9M	$255.7M +1.1% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	Top 6.6% in tier
Total Deposits ?	$683.9M -5.1% YoY -0.3% QoQ	+$355.9M	$328.0M +0.1% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	Top 8.0% in tier
Return on Assets ?	0.07% +128.9% YoY +111.1% QoQ	-1.20%	1.27% +12.9% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	Bottom 4.1% in tier
Net Interest Margin ?	1.99% +30.3% YoY +21.8% QoQ	-1.94%	3.93% +6.0% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	Bottom 0.8% in tier
Efficiency Ratio ?	99.87% -14.4% YoY -36.3% QoQ	+34.59%	65.29% -4.5% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	Bottom 2.5% in tier
Delinquency Rate ?	0.09% -10.8% YoY +56.3% QoQ	-0.80%	0.89% +18.8% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	75%
Loan-to-Deposit Ratio ?	85.49% -6.2% YoY -1.7% QoQ	+8.85%	76.64% +0.8% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	33%
Non-Interest-Bearing Deposit Share ?	13.34% -4.6% YoY +5.8% QoQ	-8.68%	22.02% -1.0% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	18%
Nonperforming Asset Ratio ?	0.06% -11.7% YoY +55.3% QoQ	-0.57%	0.64% +19.7% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	75%
Tier 1 Capital Ratio ?	13.26% +2.4% YoY +2.0% QoQ	-2.57%	15.83% +1.5% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	50%
Non-Interest Income / Assets ?	0.11% +17.8% YoY +148.1% QoQ	-0.17%	0.28% +9.3% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	58%

Get Full Access to Rollstone Bank & Trust

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#61 of 664 • Top 9.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.09%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Capital Constraint

risk

#9 of 108 • Bottom 7.4% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 85.49%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 13.26%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ

Deposit Outflow

decline

#86 of 506 • Bottom 16.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

176

Total Loans

size

Value: $584.66M

Peer Median: $255.72M

#176 of 2664 Top 6.6% in $100M-$1B

178

Total Assets

size

Value: $835.99M

Peer Median: $386.08M

#178 of 2664 Top 6.6% in $100M-$1B

213

Total Deposits

size

Value: $683.87M

Peer Median: $327.97M

#213 of 2664 Top 8.0% in $100M-$1B

656

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.64%

#656 of 2664 Top 24.6% in $100M-$1B

663

Delinquency Rate

credit_quality

Value: 0.09%

Peer Median: 0.89%

#663 of 2654 Top 24.9% in $100M-$1B

Top Weaknesses (4 metrics)

2645

Net Interest Margin

profitability

Value: 1.99%

Peer Median: 3.93%

#2645 of 2664 Bottom 0.8% in $100M-$1B

2599

Efficiency Ratio

profitability

Value: 99.87%

Peer Median: 65.29%

#2599 of 2664 Bottom 2.5% in $100M-$1B

2555

Return on Assets

profitability

Value: 0.07%

Peer Median: 1.27%

#2555 of 2664 Bottom 4.1% in $100M-$1B

2174

Non-Interest-Bearing Deposit Share

funding

Value: 13.34%

Peer Median: 22.02%

#2174 of 2664 Bottom 18.4% in $100M-$1B